Credit Manager

2 days ago

Bengaluru India HCLTech Full time

Job Description

Job Summary:

We are seeking experienced Credit Managers with a strong background in Australian mortgage underwriting. The ideal candidate will be responsible for assessing home loan applications in line with Australian credit policies, ensuring high-quality credit decisions, and working collaboratively with stakeholders across geographies.

Key Responsibilities:

- End-to-end assessment and decision-making of home loan/mortgage applications based on Australian credit policy and guidelines.
- Perform income verification, credit checks, property valuation reviews, and responsible lending assessments.
- Liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
- Provide timely and high-quality credit decisions while meeting SLA and compliance standards.
- Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
- Mentor and guide junior underwriters, and support process improvements.
- Prepare daily/weekly reports on pipeline, SLAs, and quality metrics.

Requirements:

- Graduate/Postgraduate in Finance, Commerce, or a related field.
- Minimum 5 years of mortgage underwriting experience, with at least 23 years in the Australian home loan domain.
- Strong understanding of Australian credit policies, responsible lending guidelines, and loan origination systems.
- Exposure to multiple lenders (Bankwest, CBA, ANZ, etc.) is a plus.
- Excellent analytical, communication, and documentation skills.
- Ability to work in fast-paced environments and meet deadlines.

Preferred Skills:

- Certification in mortgage lending or credit assessment.
- Experience with income types including PAYG, self-employed, rental, foreign income.
- Sound knowledge of credit bureaus like Equifax (AU).
- Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.

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